✿ CỤM TỪ DIỄN ĐẠT THỜI GIAN
1. in the first six months = the first half of the year
2. in the second six months = the second half of the year
3. During that period
4.
.
.
✿✿ Chú ý phân tích các mệnh đề ADJ đầy đủ và rút gọn
1.offering no solace for producers
2.hoping demand from the world’s largest energy consumer
3.which added some support to global prices

Are you a saver or a spender? “A penny saved is a penny earned.” This old saying calls attention to the wisdom of saving money. “Putting money away for a rainy day” is another way to talk about saving for the future. In the United States, people who want to start a savings account have different choices of where to put their money. These include banks and credit unions. Credit unions are cooperatives for individuals who often share a work-related connection. For example, the members might work for a university or a government agency. Most credit unions are non-profit organizations. Credit unions, banks and other financial institutions pay interest on savings accounts. But the interest rates are generally low. Certificates of deposit pay higher returns. With a certificate of deposit, or CD, a person agrees not to withdraw the money for a period of time. This term could be anywhere from a few months to several years. Longer terms, and larger amounts, pay higher interest. People have to pay a small fine to withdraw their money early. Another way to save is through a money market fund. This is a kind of mutual fund. Mutual funds invest money from many people. The money is sometimes placed in short-term government securities. Money market funds, however, may not be federally guaranteed like other kinds of savings. The Federal Deposit Insurance Corporation guarantees savings up to 250-thousand dollars.

Peter Nguyen is Vietnamese-American with American father and Vietnamese mother. Peter visited his mother’s home country for the first time in 1990.

Peter was impressed by natural beauty, traditional culture and friendly people. Peter decided to stay in Vietnam to study exceptional/ special culture of ethnic minority in northern highland provinces.

Peter established/ founded a small culture museum to introduce to foreign visitors about daily life of local people/ residents. This museum was consider as a culture bridge between eastern residents and western visitors.

Furthermore/ Also/ Besides/ Moreover, Peter carried out/ conductmany community projects to improve living standard of residents, built some primary and secondary schools as well as raise their awareness about traditional culture protection/ preservation.

Peter co-operated with local authorities to hold interesting tours and culture festivals for domestic and international tourists to rise/ increase local incomes and create jobs for local workers.